Strategi keberlanjutan Bank telah diimplementasikan dengan mempertimbangkan aspek keberlanjutan atas semua aspek kegiatan usaha Bank. Hal ini termasuk dengan menjalankan Uji Tuntas Keberlanjutan (Sustainability Due Diligence) pada aspek non-kredit dan kredit Bank. Uji Tuntas Keberlanjutan (Sustainability Due Diligence) ini telah memasukkan berbagai aspek keberlanjutan, salah satunya perubahan iklim sebagai salah satu bentuk pertimbangan. Bank juga memiliki rencana untuk melakukan studi mengenai tarif karbon internal ( internal carbon pricing) untuk mengidentifikasi peluang dan tantangan akibat perubahan iklim.
The Bank’s sustainability strategy has been implemented by taking into account the sustainability aspects of the Bank’s business activities. This includes performing a Sustainability Due Diligence for both non-credit and credit aspects. This Sustainability Due Diligence includes various factors on sustainability practice, including climate change. The Bank also plans to conduct a study on internal carbon pricing to identify opportunities and challenges faced due to climate change.
1. Menjadikan risiko perubahan iklim sebagai salah satu bahan pertimbangan dalam mengkaji risiko finansial dan non-finansial;
2. Uji Tuntas Keberlanjutan (Sustainability Due Diligence) yang telah memasukkan aspek perubahan iklim dalam kajiannya dan juga senantiasa berusaha meningkatkan kesadaran debitur akan risiko ini;
3. Mengadakan peningkatan literasi akan risiko keberlanjutan, termasuk di dalamnya risiko perubahan iklim kepada internal Bank dan debitur;
4. Studi kasus untuk mengidentifikasi risiko potensial terkait perubahan iklim terhadap perkebunan kelapa sawit;
5. Mengembangkan skenario profil risiko pembiayaan atas dampak perubahan iklim (climate scenario).
1. Inclusion of climate change risk as one of the considerations during credit and non-credit risk assessment;
2. Inclusion of climate change aspect in the Sustainability Due Diligence review process, and also constantly raise debtors’ awareness to this risk;
3. Enhance literacy on sustainability risks, including climate change risk for internal and the debtors;
4. Conduct case studies to identify potential risks related to climate change from oil palm plantations sector;
5. Develop a climate scenario assessment on financing.
Strategi Strategy
Manajemen Risiko Risk Management
1. Uji Tuntas Keberlanjutan (Sustainability Due Diligence) yang dilakukan terhadap portofolio Bank;
2. Identifikasi portofolio/kelompok debitur yang memberikan dampak perubahan iklim berupa emisi GRK;
3. Analisis emisi Gas Rumah Kaca beserta target penurunannya.
1. Sustainability Due Diligence conducted on the Bank’s portfolio;
2. Identification of debtor/its groups’ portfolio that impact climate change through GHG;
3. Analysis of GHG and their reduction targets.
Matriks dan Target Metrics and Targets
Deskripsi
Description GRK (Cakupan 1 & 2) GHG (Scope 1 & 2)
Target Penurunan intensitas (berdasarkan baseline study 2019) Decrease in intensity (based on the 2019 baseline study)
Deskripsi
Description Aksi adaptasi Adaptation action
Target Evaluasi debitur menggunakan Uji Tuntas Keberlanjutan (Sustainability Due Diligence) dengan penyesuaian pada aspek perubahan iklim
Debtor evaluations using Sustainability Due Diligence with adjustments to the climate change aspect
2021 2022 2023 2024 2025
- 2 % - 2 % - 2 % - 2 % - 2 %
2021 2022 2023 2024 2025
Perbankan Korporasi Corporate Banking
Perbankan Korporasi Corporate Banking
Perbankan Korporasi dan Komersial Corporate and Commercial Banking
Perbankan Korporasi dan Komersial Corporate and Commercial Banking
Perbankan Korporasi dan Komersial Corporate and Commercial Banking
Informasi lengkap terkait kajian risiko keberlanjutan melalui Uji Tuntas Keberlanjutan (Sustainability Due Diligence) dapat dibaca pada Bab Pilar 1 Tindakan Berkelanjutan dan Pilar 2 Usaha Berkelanjutan di Laporan ini.
More information regarding sustainability risk assessment through Sustainability Due Diligence can be found on Chapter Pillar 1 Sustainable Action and Pillar 2 Sustainable Business of this Report.
Informasi lengkap terkait Strategi Keberlanjutan dapat dibaca pada bagian Komitmen dan Strategi Keberlanjutan dalam Laporan ini.
More information regarding Sustainability Strategy can be found on Sustainability Commitment and Strategy section of this Report.
Pendekatan terhadap Risiko Perubahan Iklim
Perubahan iklim merupakan isu global yang dapat mempengaruhi kinerja ekonomi, sosial, dan proses bisnis Bank. Perubahan iklim juga dapat mempengaruhi curah hujan yang mengakibatkan banjir atau kekeringan. Di awal tahun 2020, Jakarta dan beberapa kota besar lainnya di Indonesia dalam beberapa pekan mengalami bencana banjir. Kerugian akibat banjir sangat besar dan mempengaruhi proses usaha, serta mengancam kesehatan. Meskipun CIMB Niaga tidak mencatat kerugian yang signifikan akibat banjir tersebut, namun Bank percaya bahwa bencana banjir memiliki potensi gangguan terhadap kegiatan usaha debitur. Merespon risiko ini, CIMB Niaga menerapkan strategi bisnis dengan memerhatikan core element yang direkomendasikan Taskforce for Climate-related Financial Disclosure (TCFD).
Bank telah melakukan identifikasi sektor yang memiliki potensi terdampak perubahan iklim termasuk pada sektor terkait Agriculture, Forestry, and Other Land Use (AFOLU). Berdasarkan identifikasi tersebut, Bank menyusun ‘Daftar Sektor dengan Risiko Keberlanjutan Tinggi’. Dokumen ini disusun dengan menggunakan metode ilmiah dan merujuk pada beberapa literatur, seperti laporan yang dikeluarkan oleh Intergovernmental Panel on Climate Change (IPCC), The United Nations Framework Convention on Climate Change (UNFCC), dan Science Based Target Intiative (SBTi). Hasil studi juga dapat menunjukkan tingkat kerentanan sektor tersebut terhadap paparan risiko keberlanjutan, termasuk risiko perubahan iklim, risiko air, dan lain sebagainya. [201-2] [SUSBA 1.2.2.2]
Selain itu juga, CIMB Niaga telah mengalokasikan anggaran untuk meningkatkan literasi keberlanjutan, termasuk di dalamnya perubahan iklim. Akan tetapi, Bank belum mengalokasi anggaran khusus pada tingkat pembiayaan terkait aksi adaptasi dan mitigasi perubahan iklim. [201-2]
Approach toward Climate Change Risk
Climate change is a global issue that can affect the Bank’s economic, social and business processes.
Furthermore, climate change can also affect rainfall resulting in flood or drought. In early 2020, Jakarta and several other major cities in Indonesia experienced flooding over several weeks. Losses due to flooding were very large and affected business processes, and threaten health. Even though CIMB Niaga itself did not suffer any significant losses due to the flooding, the Bank is aware that it can lead to potential disruptions of its debtors’ business activities. In response to this risk, CIMB Niaga has adopted a business strategy by taking into account the core elements recommended by the Taskforce for Climate-related Financial Disclosure
(TCFD).
The Bank has identified sectors that potentially could be impacted by climate change, and these include the Agriculture, Forestry, and Other Land Use (AFOLU) sectors. The Bank has compiled a ‘High Sustainability Risk Sector List’ prepared using a scientific method that refers to several sources, including reports issued by the Intergovernmental Panel on Climate Change (IPCC), The United Nations Framework Convention on Climate Change (UNFCC), and the Science Based Target Initiative (SBTi). The study showed the vulnerability level of each sector that have exposure to sustainability risks, including climate change risk, water risk, and others. [201-2] [SUSBA 1.2.2.2]
Apart from this, CIMB Niaga has also allocated a specific budget to enhance sustainability literacy, including climate change. However, the Bank has not yet allocated a specific pool for financing climate change adaptation and mitigation actions. [201-2]
Penyusunan Kebijakan dan Strategi Terkait Keberlanjutan [102- 30] [102-31] [102-34] [SUSBA 1.2.1.14] [SUSBA 1.2.2.4]
Kebijakan dan Prosedur terkait Keberlanjutan dan Keuangan Berkelanjutan disusun dengan mempertimbangkan visi dan misi keuangan berkelanjutan, risiko terkait, dan keselarasan strategi keberlanjutan CIMB Niaga yang diterjemahkan dalam 5 (lima) pilar. Lima pilar keberlanjutan mengatur kerangka kerja, strategi, dan pendekatan implementasi yang memastikan risiko
Sustainability Related Policy and Strategy Formulation
[102- 30] [102-31] [102-34] [SUSBA 1.2.1.14] [SUSBA 1.2.2.4]
The Sustainability Policy and Procedure is prepared in line with the sustainable finance vision and mission, related risks, and the alignment of CIMB Niaga’s sustainability strategy based on the 5 (five) pillars. The sustainability five pillars set the framework, strategy and implementation approach to ensure risk is managed effectively. The Policy and Procedure related
Kebijakan dan prosedur ini memberikan fundamental implementasi keberlanjutan di Bank, khususnya segala hal yang terkait dengan non-pembiayaan. Cakupan dari kebijakan ini adalah relasi usaha yang meliputi a) Nasabah pembiayaan non-individual, b) Anak perusahaan Bank; c) Mitra non-individu program Tanggung Jawab Sosial dan Lingkungan Perusahaan (CSR); d) Pemasok, vendor, merchants, dan rekanan outsourcing non-individu; e) Mitra Usaha; dan f) Anggota Dewan Komisaris, Dewan Pengawas Syariah, Direksi, dan Pihak Independen anggota Komite Dewan Komisaris.
This Sustainability Policy and Procedure provides the fundamentals for the Bank’s sustainability implementation, particularly those matters related to non-financing. The scope of these policies includes business relations with a) Non-individual financing customers, b) Bank subsidiaries; c) Non-individual partners of the Corporate Responsibility (CSR) program; d) Non-individual suppliers, vendors, merchants and outsourcing partners; e) Business Partners; and f) Members of the Board of Commissioners, Sharia Supervisory Board, Board of Directors, and Independent members of the Board of Commissioners’ Committees.
Kebijakan Keuangan Berlanjutan menjadi dasar pelaksanaan Tindakan Berkelanjutan (Pilar 2). Dari kebijakan ini, Bank menyusun dokumen pendukung berupa `Daftar Sektor dengan Risiko Keberlanjutan Tinggi’ dan `Panduan Sektor’.
Lebih lanjut lagi, Prosedur Keuangan Berkelanjutan merupakan pedoman dalam melakukan `Uji Tuntas Keberlanjutan (Sustainability Due Diligence)’ dan `Uji Tuntas Keberlanjutan Lanjutan (Enhanced Sustainability Due Diligence)’. Kesemua hal ini merupakan upaya Bank untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko lingkungan, sosial, dan tata kelola (LST). Pengkinian atas Kebijakan dan Prosedur Keuangan Berkelanjutan dilakukan minimal dua tahun sekali. Ketentuan pengkinian kebijakan dan prosedur diatur dalam Kebijakan Manual Framework. [SUSBA 1.3.2.6]
The Sustainable Finance Policy forms the basis for implementing Sustainable Business (Pillar 2). Through this policy, the Bank prepares supporting documents such as ‘High Sustainability Risk Sectors List’ and ‘Sector Guidance’. The Sustainable Finance Procedures includes guidance for carrying out ‘Sustainability Due Diligence’ and `Enhanced Sustainability Due Diligence’. These Bank efforts will identify, measure, monitor, and control environmental, social and governance (ESG) risks. The sustainable finance policies and procedures will be updated at least every two years, with the provisions for the updates laid down in the Framework Manual Policy. [SUSBA 1.3.2.6]
Kebijakan Keberlanjutan No. M.08 dan Prosedur Keberlanjutan No. M.08.P.01.
Sustainability Policy No. M.08 and Sustainability Procedure No. M.08.P.01.
Kebijakan Keuangan Berkelanjutan No. M.10 dan Prosedur Keuangan Berkelanjutan No. M.10.P.01.
Sustainable Finance Policy M.10 and Sustainable Finance Procedure M.10.P.01.
dikelola secara efektif. Kebijakan dan Prosedur terkait keberlanjutan ini mengatur aspek kredit dan non-kredit, seperti pembiayaan, investasi, pengadaan barang dan rantai pasok. Kebijakan dan Prosedur terkait keberlanjutan ini mengatur aspek kredit dan non-kredit, seperti pembiayaan, investasi, pengadaan barang dan rantai pasok. Di akhir tahun 2018, Bank telah menyusun rencana kerja pilar keberlanjutan hingga 2023.
to sustainability regulate credit and non-credit aspects, includes financing, investment, procurement, and supply chain. At the end of 2018, the Bank prepared a work plan until 2023 for the sustainability pillars.